How To Prepare Yourself For Investing

Why do you invest? Is it just because you want your money to grow? And then what next? Buy whatever you want? And then what next? Become the prettiest and handsomest financially-broken heartthrob in your neighborhood?

Usually, and based on my experience, this post-Christmas month of January has the most number of people getting interested about growing their money. Many ask around online forums, radio or TV shows, and even on news columns about where to keep their money and take profit more than what their money usually get from the bank.

This is probably because most people would always want to have a good start of their lives for the year. Continue reading

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Your Children Are Not Investments

The last four days have been an enormous spiritual experience for me and my family. We may not have been able to see Pope Francis but the video clips, the articles, the news, and the collective prayers of different churches and spiritual communities online have helped us experience the “Lolo Kiko fever”.

The whole Papal visit was all about the children and the youth. From the Villamor Air Base, young students greeted the Pope with songs and dance. When the Pope was on his ‘jeepney’ PopeMobile while plying the streets of Manila and on the way to the University of Santo Tomas, he was captured by energy of the teens and the children. He hugged and kissed babies, toddlers, and the rest of the youngsters. Most of all, the adults showed and expressed the “children within” them.

Now that the Pope has left the country, what lessons have we learned and realized that our children are God’s blessings and not our properties? Continue reading

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How To Protect Yourself When Shopping Online

Christmas Season is over but most people’s shopping don’t end with the Season. There are so many upcoming reasons to shop again such as Valentine’s Day, Graduation Day, and other ordinary celebrations such as birthdays and weddings.

And just like before Christmas, a lot of people go for online shopping as this is more convenient, easier, and quicker to transact. But before one has to click that “Add To Car” button, he or she should make sure that computer’s internet browsers, operating systems and security software are up-to-date. The best defense against viruses, malware, and other online threats is a clean computer.

Here are some other ways to protect yourself when shopping online as provided by Continue reading

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Make Money Online by Selling E-Books!

Wondering how you can earn thousands, if not millions, via the internet without much capital? A lot of people have done it and they did it successfully.

Do you love reading? Do you love books? This passion of yours may turn into big money if you will commit yourself to learn the trade secrets of making money through selling e-books through the interent.

And no, this is not that “legal scamming group” that recruits people to sign up and “sell” e-books but in the end has nothing to win back after exerting all efforts to spam Facebook groups and social media pages.

This secret will help you how to do it yourself without the need of disturbing other people’s lives and privacy. You will create your own e-book and sell it yourself in the internet. Continue reading

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How To Become The Fourth Magi

Today is the 12th and the last day of Christmas for most Christians, especially from the Roman Catholic, Orthodox, and other mega-churches like the Lutheran, Methodist, Anglican churches, among others. It’s a Christmas feast called the Epiphany which celebrates the revelation of God the Son as a human being in Jesus Christ.

We are all familiar about these three wise men in the traditional names of Melchor, Gaspar, and Balthazar who brought gifts to baby Jesus some 2,000 years ago. They may not bear those names in reality but this has captured the hearts of many Christians, children and adults alike. These are the “Three Kings” from the East who brought gold, myrrh, and frankincense. It is commonly accepted that they are the ones and their “giving” that are being celebrated today.

But it’s very interesting to note that a legendary writer Henry van Dyke wrote a story about “The Fourth Wise Man”. The story revolves around Artaban, a magi is the fourth wise man who desired to follow the star to the birthplace of the coming King, and was supposed to join the three other wise men, but misses the caravan because of too many “obstructions” along the way. Continue reading

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Did You Borrow Money For Christmas and New Year Parties?

Christmas Eve and Christmas Day may have already gone but these days up to New Year’s Day are usually “reunion” days among families, classmates, barkadas, and some friends. So expect more unexpected spendings to come. Also, kids (and adults) will have to think over about what to do with their aguinaldo or cash gifts.

Our friend Ezra Ferraz compiled some advise for parents and kids to become financially-savvy especially during this Christmas season. You will find my advise at number 1 in this helpful article of Ezra at

Unfortunately, inspite of all these priceless financial advise and suggestions, this festive period usually leave millions of people unable to pay their necessary bills in January next year. Especially those who were not able to monitor their use of credit cards, or worst, have borrowed money through loans (either personal or through 5/6 loan sharks) just to celebrate Christmas with a feast of food and gifts. Continue reading

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My New Year Message To AngatPH Volunteers (and blog Readers)


My fellow volunteers:

This coming New Year we will all continue to face challenges. Some are continuing ones and some maybe new. But there is one thing that all of us must remember, the challenges that we all face today and will face in the coming months, are not unique to each of us individually; they are truly common to all of us and are just presented in different shades and packages.

These challenges at times may appear to overwhelm us and make us feel that we are fighting a losing battle. There may be times that we feel that our will is being tested. But despite of all that, we always take comfort that we have our FAITH; we always believe that we can all rise and one day, be victorious because we choose to walk with our Lord Jesus Christ each in every day and night.

In Psalm 1:3, those who delight and follow the law of the Lord were described as “…like trees planted by streams of water, which yield their fruit in its season and their leaves do not wither. In all that they do, they prosper.”

As we continue to seek God for His Word and follow his commands, like the trees described in the book of Psalms, we will all grow stronger and prosper with everything that we do. And to all us who continue to dare to dream big and aspire for success, let us not shy away from these challenges. Instead, let us embrace them, and believe that at God’s own choosing, the sacrifices that we use to water our trees will yield the fruit in each and every season, and we will celebrate and share our victory with all our loved ones.

Let us also remember that there are bigger things than our collective personal interests. Let us continue to make APCFL our own personal mission, to love others. Let God be our witness to teach others become abundant and grateful people of His Kingdom. Let us continue to serve our country and our countrymen. Not Yolanda or a Ruby or any aggressor will stop us from serving the people who need us most.

I am praying for every one of you and your loved ones and that we may all become wise and truly rich in every area of our lives this coming year.

God Bless you all. Thank you.

Burn Gutierrez

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How To Start A Business Effectively

Becoming an entrepreneur is a dream for many among us. Especially for those have been employees for the most parts of their lives.

But how do we really start a business? What do we need to have in order to prepare for one? Is it the money? Do we need to have a good business idea first?

I believe that for one to jumpstart a business idea, one has to prepare his or her mindset first. Remember that going into business will be one of the most crucial decisions in life one has to make in order for him or her to accomplish his dreams. Continue reading

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How I Conquered The Fear of Math

From my kindergarten to grade 2 years, I loved math a lot.  It was peanuts. Yakang yaka.

But the love for the numbers started to wane my teachers started to discuss about fractions, and decimals, natural numbers, integers, rational, real, complex numbers, etc. Complicated student life because of mathematics!

So the fear of math went on from grade four up to high school. Life became even more complicated and miserable because of trigonometry, advanced algebra, geometry, statistics, and most of all our math teachers! It even came to a point that my school had to summon my father because of my failing grades in Math!

I could not see the practical value of those mathematics subjects back then. Continue reading

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